CHL Mortgage, is a multi-state licensed banking entity that originates mortgage loans directly to consumers. As a direct lender, we have the highest level of integrity and a genuine caring and concern for our customers. At CHL we believe “Your Future Starts With Us.” We take a personalized, comprehensive and consultative approach and carefully guide all of our customers through the home buying and refinancing process. We take many factors into consideration when suggesting the right loan. We analyze current and future monthly cash flow, as well as short- and long-term financial planning goals.

“We believe a customer’s eligibility for a mortgage product does not mean it is the most suitable product. We will help you select the loan program that best fits your future,” says Michael McHugh, President of CHL Mortgage. Our Loan Officers evaluate the price you can afford, pre-qualify you for the right mortgage product and even connect you with our real estate partners as a pre-approved buyer. We pride ourselves on earning the respect and trust of our customers, one loan at a time.

Based in Melville, NY, CHL Mortgage has a well earned reputation for quality and integrity. CHL provides personalized loan solutions in a friendly, responsive manner and we pride ourselves on our ability to understand and fully satisfy the needs of our borrowers. We deliver the resources, flexibility and high level of service that consistently surpass the expectations of our customers. Because our loan officers, underwriters, and processors are on-site, we offer exceptionally fast and efficient turnaround.

All of our Loan Officers have completed extensive training and testing and carry the designation of Federal and State Licensed Loan Originators. CHL Mortgage is a direct lender, licensed in multiple states. We are a HUD approved direct endorsed lender with the FHA, VA Automatic Authority, and we are a SONYMA participating lender. We also partner with dozens of secondary market investors as agent approved seller services including Fannie Mae (FNMA) and Ginnie Mae (GNMA).